Auto Insurance

In short, auto insurance protects you against financial loss if you have an accident. It is a contract between you and your insurance carrier. You agree to pay the premium, and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

• Property coverage pays for damage to or theft of your car.
• Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
• Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.

Some coverages are optional, but keep in mind each state has different insurance requirements. If you're financing your car, your lender may require certain limits or coverages until your loan is paid.

It's really all about protecting yourself financially.

• If you're in an accident or your car is stolen, it costs money - often a lot of money - to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

We know that insurance can seem overly complicated at times. That's why we're here.

If you ever have any questions about your existing coverage or would like to discuss your options, please do not hesitate to contact us. We are always happy to help.